There's a hotel nestled in the woods in upstate New York that boasts unmatched Adirondack beauty, a world-class kitchen staff, secluded log cabin-style accommodations, a fleet of boats for guests to use, enormous fireplaces and other luxurious amenities that surpass the expectations of even the most discriminating guests. Want to know where it is? We couldn't tell you.

When you're on a tight budget, travel insurance can seem like an unnecessary expense. Well, rethink the priority list and put travel insurance in at number one, says Allison Tait. A holiday without it can be no picnic!

Unless you're the organised type, chances are you're only now thinking about what you might do with your summer hols. Unfortunately, what you'd like to do (exotic holiday, cocktails, palm trees) and what you can afford to do (a week at Gran's in the burbs) often don't match up. Well, don't despair.

If you're after cash flow and not overly concerned with capital gains, student accommodation might be one place to look. But, as property writer Terry Ryder reports, potential investors should first be aware that despite huge demand, there are downsides.